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Indiana SR-22 & High-Risk Auto Insurance

Indiana requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing typically lasts 3 years and costs $15–$35, but high-risk premiums average $200–$400/mo depending on violation type and carrier availability.

Indiana cityscape and street view

Updated April 2026

Minimum Coverage Requirements in Indiana

Indiana requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Drivers with DUI convictions, multiple violations, license suspensions, or uninsured accidents typically face SR-22 filing requirements from the Indiana Bureau of Motor Vehicles (BMV). The SR-22 filing period lasts 3 years from the date of reinstatement, and any lapse triggers a restart of the entire requirement period. High-risk drivers should carry coverage above state minimums, as liability-only policies at 25/50/25 leave significant personal exposure after at-fault accidents.

How Much Does Car Insurance Cost in Indiana?

High-risk insurance rates in Indiana vary significantly by violation type, with DUI convictions typically increasing premiums 80–150% and multiple moving violations adding 40–90%. SR-22 drivers pay $200–$400/mo for liability-only coverage and $250–$500/mo for full coverage, compared to $80–$140/mo for standard-risk drivers. Non-standard carriers dominate this market, and rates depend heavily on how long ago the violation occurred, whether you've had lapses, and your current credit tier.

Minimum Liability
State-minimum 25/50/25 liability coverage with SR-22 filing. Lowest legal option but offers minimal protection and leaves you exposed to personal liability in any moderate-to-severe accident.
Standard Liability
Higher liability limits (50/100/50 or 100/300/100) with SR-22 filing and optional uninsured motorist coverage. Recommended tier for high-risk drivers who own assets or have financed vehicles.
Full Coverage
Liability plus comprehensive and collision with SR-22 filing. Required by lenders and recommended for newer vehicles, but premiums reflect high deductibles ($500–$1,000) and violation surcharges.

What Affects Your Rate

  • Violation type and severity: DUI adds 80–150%, reckless driving 50–80%, multiple speeding tickets 40–70%
  • Time since violation: rates drop 20–40% after 3 years violation-free, 50–70% after 5 years
  • SR-22 filing duration remaining: carriers price higher risk in year 1, moderate in year 2–3
  • Number of lapses: each lapse and SR-26 filing adds 15–30% to next policy premium
  • Credit tier: non-standard carriers heavily weight credit scores, with poor credit adding 30–60% to high-risk base rates
  • Urban vs. rural location: Indianapolis and Fort Wayne drivers pay 15–25% more than rural Indiana counties due to accident frequency

Compare Auto Insurance Rates in Indiana

Find Your City in Indiana

Indianapolis, Indiana cityscape and street view

Indianapolis

urban
Aerial view of residential neighborhood with trees leading to downtown city skyline under cloudy sky

Fort Wayne

urban
Evansville, Indiana cityscape and street view

Evansville

urban
Pickup truck in snowy parking lot at sunset with bare trees and purple-orange sky in winter suburban setting

South Bend

urban
Wooden walkway with autumn trees showing orange fall foliage and traditional buildings in background

Carmel

suburban
Green crop fields stretching across rural farmland with blue sky and forests in the background

Bloomington

urban
Autumn landscape with golden grain field and colorful fall trees under blue sky

Hammond

urban
Gas station with red and white striped canopy and fuel pumps surrounded by green trees

Muncie

urban

Sources

  • Indiana Bureau of Motor Vehicles - SR-22 Requirements and Financial Responsibility
  • Indiana Department of Insurance - Minimum Coverage Standards
  • Indiana Code Title 9 - Motor Vehicles - Financial Responsibility Laws

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